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Working Loans

Flexible Terms,
Simple Process,
And Fast Funding.

Loans ranging from $5,000 to $500,000 are available! Let's get started

What is Working Capital Loan?

Working Capital is the backbone of all small businesses and is used to cover daily operating business expenses. It is a symbolic scale used to measure a company’s liquidity, overall health, and short-term financial efficiency. Cash flow is a necessity used to cover short term inventory, purchases, payroll, and many other day-to-day operations. You can calculate your company’s working capital by subtracting your current liabilities from current assets.

Getting a working capital loan from a traditional lender is a stringent process. Usually, traditional lenders ask for a good credit score, extensive guarantee, collateral, and other nitty-gritty. This is not the case with Alternative lenders.

Apply for a working capital loan at Merchant Advisors, and carry out daily operations with ease. Increase your annual revenue and take your business to other heights.

Types of Working Capital Loans

We provide multiple working capital loans, browse through all of them before making a final decision.

Bank overdraft facility or credit line
BANK OVERDRAFT FACILITY OR CREDIT LINE:

Here you only pay interest on the amount overdrawn –which is 1-2% above the bank prime rate, usually.

Short-term loans
Short term loans:

These loans are secured and have a fixed rate of interest and payment period. They come with a repayment period of 12 months. With a good credit history, you can easily get a short term loan without collateral.

Equity funding via personal resources or investors
Equity funding via personal resources or investors:

Working capital loans can be obtained from personal resources such as investments from loved ones, and home equity loans. These loans are best for start-ups and businesses with no or little money.

Accounts receivable loans
Accounts receivable loans:

These are based on the confirmed sales order value of your company. If you don’t have a track record for paying debts, getting these types of loans can be challenging.

Factoring or advances
Factoring or advances:

These are similar to accounts receivable loans, with the only difference –the value of these loans is based on future credit card receipts. Factoring or advances are most suitable for businesses that accept credit cards as a mode of payment.

Trade creditor
Trade creditor:

These loans are provided by potential suppliers. They offer a trade credit facility if you place large orders from them. Before approving such loans, trade creditors usually do a careful analysis of your company’s credit history.

Process

Small Business Working Capital Loans

In order to successfully lead in today's fast-paced global economy, small business owners should use their accessible cash to reinvest in their daily business operations. With a working capital loan from Merchant Advisors, you can do much more:


Merchant Advisors provides working capital ranging from $5,000 to $500,000, with ease. The loan can be a perfect solution for your small business.

Make Practical Business Decisions

And Grow Your Business

Apply Now